If you look back at your life you will find that from the first days in school, you have been programmed with the worker mentality. Oh sure, you were told to get good grades, go to college and get a great job but nobody ever taught you that getting a job does not lead to financial freedom. I used to be one of the masses trading my time for money and at times I even managed to negotiate what would be considered by many to be a really good rate of pay, still the end result was the same. I would bust my butt week in and week out and someone else was getting rich off my efforts.
In school it starts as early as standing in lines; Later you will find yourself standing in lines to punch a time clock. Seldom are tests designed with more than one correct answer and free thinking will be discouraged. You were taught when to do everything from changing classes to going to lunch at the sound of a bell, more proof that people can be programmed.
When you graduate, you will either get a job or go to college, either way will find you facing credit card offers at a young age, gotta get you in debt as early as possible. A few years later, you can qualify to buy a home that you really can't afford all as a way to keep your debt to income level in check. See, big business needs you to remain at your appropriate social status because if everyone gained financial freedom, people might get rich and if too many people get rich then what would separate them from us? They would no longer be special. Once you have fallen into their trap, it becomes almost impossible to free yourself, the government regulates wages at a very low rate to insure you know your place. If you do manage to get a great paying job, they just tax you harder. At one time I earned 3 x the minimum wage and worked 60 hours a week and on payday I was barely bringing in double what I would have made at minimum wage working those same hours. Overworked and underpaid, I started to question, was it me or was it designed this way? I began to realize that as a worker for someone else, the person making the real money was the company owner and that is when I decided to go into business for myself.
Even the act of starting a business is a little absurd, to begin with the tax laws you have to learn just to stay legal were not written for anyone less than an accountant or lawyer to understand, I believe this is to further discourage you from trying to change your place in society. Is it impossible? No , but it is a little daunting.
What can you do? To start with, start saving your emergency fund for hard times, next, start working on eliminating debt from your life starting with the credit cards, pay more than the minimum due each month and as you pay them off, do not reuse them. Keep the accounts open though as available credit can help your FICO score. As you grow closer to financial freedom with less money going out in interest payments, you will begin to see more money being freed up to go towards your personal savings.
It took years to program us to think as nothing more than workers / consumers and change will not occur overnight but it is possible to break the bad financial habits. It all starts with being able to see where you're at now and where you want to be in five or ten years and then doing what you have to now so that you can do what you want to later.